If you take my advice avoid Zenith like the plague, go to any other insurance company. I told Zenith someone ran into me but was not making a claim just making them aware of it. I was NOT told at the time by Zenith it was automatically logged as a claim, a long story short, this ONE incident led to me unknowingly driving with no insurance, getting stopped by the police, fined a total of £450 and 6 points on my licence, Zenith ASSUMED I knew this was automatically logged a claim even though I specifically said I was not making a claim. It was AFTER I was stopped by the police and contacted Zenith that I was first informed that this incident was logged as a claim